103 E 24th St, Spencer, IA 51301 Property Records

Clay County property record for 103 E 24th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 1,296 sqft · built 1976
Lot Size	0.744 acres (32,414 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,914 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Mar 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`963606180005`

Property Details

APN / Parcel Number

Primary APN	`963606180005`
Alternative APN	`64096360618000500`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
Basement Area	1,296 sqft
Finished Basement	875 sqft
Unfinished Basement	1,296 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	32,414 sqft (0.744 acres)
Garage Type	Attached
Garage Area	744 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	50 sqft
Deck Area	80 sqft
Patio Area	556 sqft
Shed	1 Shed
Shed Area	130 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Street Address	103 E 24TH ST
City	SPENCER
State	IA
Zip	51301-2120
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8 & 9 3 BULLOCK'S HIGHLAND ACRES
Legal Range	36W
Legal Township	96N
Legal Section	6
Legal Subdivision	BULLOCK HIGHLAND ACRES
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1005
Census Tract	80200

Owner

Source: Clay County records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	103 E 24TH ST, SPENCER, IA 51301-2120
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Mar 27, 2023	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Nov 9, 2023	Intrafamily Transfer, Transfer
May 21, 2021	Intrafamily Transfer, Transfer
Jul 15, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 21, 2021
Transfer Doc	02021/2241
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	103 E 24TH ST, SPENCER, IA 51301-2120
Transaction Type	Mortgage
Record Updated	Dec 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002022/77
Date	Jan 7, 2022
Book Page	2022/77
Instrument	2022 0077

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	132 Months
Due	Jan 15, 2032

Interest

Rate Type	Fixed Rate

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	103 E 24TH ST, SPENCER, IA 51301-2120
Transaction Type	Mortgage
Record Updated	Dec 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002023/465
Date	Mar 27, 2023
Book Page	2023/465
Instrument	2023 465

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 15, 2033

Interest

Rate Type	Adjustable Rate

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Nov 9, 2023
Property Address	103 E 24TH ST, SPENCER, IA 51301-2120
Document Number	02023/2578
Book / Page	2023 / 2578
Instrument Date	Nov 9, 2023
Instrument	2023 2578
Transaction Type	Transfer
Record Updated	Dec 18, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	103 E 24TH ST, SPENCER, IA 51301-2120

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	May 21, 2021
Property Address	103 E 24TH ST, SPENCER, IA 51301-2120
Document Number	02021/1588
Book / Page	2021 / 1588
Instrument Date	May 21, 2021
Instrument	2021 1588
Transaction Type	Transfer
Record Updated	Dec 18, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 E 24TH ST, SPENCER, IA 51301-2120

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	103 E 24TH ST, SPENCER, IA 51301-2120

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Jul 15, 2021
Property Address	103 E 24TH ST, SPENCER, IA 51301-2120
Document Number	02021/2241
Book / Page	2021 / 2241
Instrument Date	May 21, 2021
Instrument	2021 2241
Transaction Type	Transfer
Record Updated	Dec 18, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	103 E 24TH ST, SPENCER, IA 51301-2120

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Clay County
Municipality	Spencer City
Unified School District	Spencer Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,914.00 (-8.19%)	$215,720 (+8.79%) Land $42,070 Building $173,650	$215,720 (+8.79%) Land $42,070 Building $173,650
2024	$3,174.00 (+5.03%)
2023		$198,290 (+15.59%) Land $35,060 Building $163,230	$198,290 (+15.59%) Land $35,060 Building $163,230
2022	$3,022.00	$171,550 Land $35,060 Building $136,490
2021			$171,550 Land $35,060 Building $136,490

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	7 (1993–2024)
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2014 · 2 claims Severe Storms & Flooding, Jul 1993 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPENCER MUNICIPAL WATER UTILITY serves 11,325 people · EPA ID IA2171071
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spencer Municipal Utilities Fiber	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
GigFire Fixed Wireless	100 / 20

May also be available: AT&T, Nextlink, T-Mobile, Verizon.

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